Goodwill Letter

Goodwill Letter

Do want to get your old negative listings removed from your credit report? Then, you need to send a Goodwill Letter to the creditor/collection agency and ask them to delete the negative listing from your credit report, simply out of goodwill. Here is a sample of a Goodwill Letter, for your reference:

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Dear Sir,
Re:

This letter is a sincere request for your help and consideration.

Back in , I was financially strapped and could not help making a few late payments on the account mentioned above.

I completely disliked paying late and still feel bad about it. However, as soon as my financial situation improved, I started making timely payments and I have been striving hard to make financially responsible decisions since then.

At present, I intend to buy a house. But, due to the negative listings from my past late payments, I am not being able to get a reasonable mortgage rate. So, I humbly request that you remove this negative item from my credit report as a gesture of goodwill.